Creating Long-term Value Across Our Franchise

Guided by our values, we help our customers grow their wealth, manage their businesses and seize opportunities across the region and through economic cycles. Deep relationships and the progress of the economies and communities in which we operate are important to us. We are committed to achieving sustainable and stable growth that creates long-term value for our stakeholders and across our franchise.

Our Values

shape our thinking and behaviour.


We act prudently to fuel our customers’ success and maintain the highest standards in all we do.


We possess a forward-looking mindset and provide deep insight, taking the initiative to find solutions.


We reach our corporate and individual goals through cooperation, mutual respect and loyalty.


We hold ourselves accountable for ensuring that UOB remains a source of stability, security and strength.

Our Fundamental Strengths

when combined, make us unique and enable us to provide our customers solutions with the right balance of prudence and enterprise.

of colleagues in our key markets are local

Asian Heritage and Southeast Asian Roots

Our Asian perspective, honed over time, gives us a strong appreciation of what is unique to Southeast Asia. Our deep local knowledge of each business environment enables us to help our customers manage their finances, from simple to complex, and within and across borders.

branches and offices across our network

Established and Integrated Network

Our integrated Southeast Asian network and strong global presence enable us to provide a consistent quality of experience as we connect our customers across the region and to the rest of the world.

invested in training programmes

Deep Pool of Talent and Expertise

Our people draw on their expertise and experience to advise and to act in the best interests of our customers. We are steadfast in nurturing our relationships with customers and our colleagues for the long term.

Total Liquidity Coverage Ratio (full-year average)

Robust Risk Management and Corporate Governance

Our sound risk management and governance culture ensures that we always provide appropriate solutions for our customers that best suit their needs and our risk appetite.

Fully-loaded Common Equity Tier 1 Capital Adequacy Ratio

Strong Credit Ratings, Capital and Funding Base

Our robust capital position and strong balance sheet enable us to be agile in responding to our customers’ needs through changing economic cycles and to seize opportunities as they arise.

Our Customer-focused Business

is built on more than eight decades of knowledge and experience.

Group Retail

Our strong customer relationships are founded on our intimate understanding of who our customers are, what they hold precious and what influences their lives.

We focus on their financial present and future. To help them reach their goals, we offer a broad range of products and services that help them plan, save, spend and invest wisely, in keeping with their lifestyles and preferences.

Group Wholesale Banking and Global Markets

Our deep client relationships are based on the premise that we care for our clients’ businesses as if they were our own.

We offer them the Group’s comprehensive and customised banking and financial risk management services. Through our seamless, cross-border banking solutions and on-the-ground coverage, we support our clients as they manage and expand their businesses across Asia.